2505 Tirol Dr Pine Mountain Club, CA 93222
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About this home
Charming and well-maintained mountain home featuring 3 bedrooms and 2 bathrooms on a flat, fully fenced lot. The open-concept living area offers a warm and inviting atmosphere with plenty of natural light, ideal for relaxing or entertaining. The kitchen includes modern appliances and ample counter space, perfect for everyday living or hosting guests. This property provides safe and spacious area that pets can enjoy. Offered furnished or unfurnished and ready for use as a primary residence, vacation home, or short-term rental. Pine Mountain Club (PMC) residents are members of Property Owners Association with a monthly cost of $165. This includes access to a clubhouse with a swimming pool and jacuzzi, tennis and pickleball courts, a nine-hole golf course, an equestrian facility, and more. Membership in the POA also includes year-round services such as snow plowing during the winter, security monitoring, trash pick up and road upkeep. Residents can enjoy all four seasons and get to experience snow-capped mountains in the winter, the leaves changing color in the fall, and cooler temperatures than surrounding cities in the summer. Experience mountain living at its finest with this turnkey property that blends charm, privacy and convenience. Please note that the seller is a licensed CA real estate agent. Contact your agent to see this great home today!
Source: CLAW #25610455
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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